Auburn National Bancorporation (NASDAQ:AUBN) and Bay Banks of Virginia (NASDAQ:BAYK) Head to Head Review

Auburn National Bancorporation (NASDAQ:AUBN) and Bay Banks of Virginia (OTCMKTS:BAYK) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, risk, earnings, institutional ownership, valuation, dividends and profitability.

Volatility and Risk

Auburn National Bancorporation has a beta of 0.39, meaning that its share price is 61% less volatile than the S&P 500. Comparatively, Bay Banks of Virginia has a beta of 0.47, meaning that its share price is 53% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings for Auburn National Bancorporation and Bay Banks of Virginia, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Auburn National Bancorporation 0 0 0 0 N/A
Bay Banks of Virginia 0 0 0 0 N/A

Profitability

This table compares Auburn National Bancorporation and Bay Banks of Virginia’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Auburn National Bancorporation 27.30% 10.26% 1.12%
Bay Banks of Virginia 9.73% 4.54% 0.50%

Dividends

Auburn National Bancorporation pays an annual dividend of $1.00 per share and has a dividend yield of 2.3%. Bay Banks of Virginia does not pay a dividend. Auburn National Bancorporation has increased its dividend for 3 consecutive years.

Earnings and Valuation

This table compares Auburn National Bancorporation and Bay Banks of Virginia’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Auburn National Bancorporation $32.57 million 4.84 $8.83 million N/A N/A
Bay Banks of Virginia $48.11 million 2.27 $3.88 million $0.38 21.58

Auburn National Bancorporation has higher earnings, but lower revenue than Bay Banks of Virginia.

Institutional and Insider Ownership

8.6% of Auburn National Bancorporation shares are held by institutional investors. Comparatively, 13.2% of Bay Banks of Virginia shares are held by institutional investors. 4.5% of Auburn National Bancorporation shares are held by insiders. Comparatively, 8.2% of Bay Banks of Virginia shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Summary

Auburn National Bancorporation beats Bay Banks of Virginia on 7 of the 12 factors compared between the two stocks.

About Auburn National Bancorporation

Auburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama. The company's deposit products include checking, savings, and transaction deposit accounts, as well as certificates of deposit. It also provides commercial, financial, agricultural, real estate construction, and consumer loan products; residential mortgage lending services; and other financial services. In addition, the company offers automated teller services; debit cards; online banking, bill payment, and other electronic services; and safe deposit boxes. It operates through its main office; eight full-service branches in Auburn, Opelika, Notasulga, and Valley, Alabama; and a commercial loan production office in Phenix City, Alabama. Auburn National Bancorporation, Inc. was founded in 1907 and is headquartered in Auburn, Alabama.

About Bay Banks of Virginia

Bay Banks of Virginia, Inc., through its subsidiaries, provides various banking products and services to businesses, professionals, and consumers in Virginia. The company accepts checking accounts, savings accounts, money market accounts, cash management accounts, certificates of deposit, and individual retirement accounts. Its loan products include commercial and industrial loans, such as small business loans, asset based loans, and other secured and unsecured loans and lines of credit; residential and commercial mortgages; home equity loans; consumer installment loans; and consumer loans comprising automobile and boat financing, home improvement loans, and unsecured personal loans. It also offers credit cards; investment accounts; and insurance, online banking, telephone banking, mobile banking, analysis checking, cash management deposit, wire, direct deposit payroll, and remote deposit services, as well as a line of commercial lending options. In addition, the company offers management services, including estate planning and settlement, as well as trust administration, investment, and wealth management services; and revocable and irrevocable living trusts, testamentary trusts, custodial accounts, investment management accounts, and managed and self-directed rollover individual retirement accounts for personal and corporate trusts. As of February 6, 2019, it operated 20 banking offices, including a production office located throughout the greater Richmond area, the Northern Neck region, Middlesex County, the Tri-Cities area of Petersburg, Hopewell and Colonial Heights, Suffolk, and Virginia Beach. Bay Banks of Virginia, Inc. was founded in 1930 and is headquartered in Richmond, Virginia.

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